Payday Loans in Graham, Kentucky

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No payday loan companies in Graham, KY. Consider companies in other cities:

Company nameAddressZip codePhone number
Lendmark Financial Services LLC 9346 Cedar Center Way, Louisville, KY 40291 +1 (502) 253 - 9712
World Finance 1100 Old US Highway 127 Road, Frankfort, KY 40601 +1 (502) 227 - 9227
CheckSmart 8459-D, US-42, Florence, KY 41042 +1 (859) 647 - 7500
Regions Bank 1104 Paris Rd, Mayfield, KY 42066 +1 (270) 248 - 7970
First & Farmers National Bank 101 Plaza Dr, Albany, KY 42602 +1 (606) 387 - 9850
Advance America 14949 US-25E Scenic Ste. 2, Corbin, KY 40701 +1 (606) 258 - 8148
Woodforest Bank 2136 Campbellsville Rd, Lebanon, KY 40033 +1 (270) 699 - 3880
Advance America 4319 Winston Ave, Covington, KY 41015 +1 (859) 581 - 7344
Cash Express 1302B E Main St, Cumberland, KY 40823 +1 (606) 589 - 2525
Ky Check Advance 490 Village Ln, Hazard, KY 41701 +1 (606) 439 - 5050

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Graham, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Florence, KY, Payday Loan for Georgetown, KY, Payday Loan Without a Credit Check in Hopkinsville, KY, Payday Loans in Louisville, KY, Payday Loans in Owensboro, KY and Payday Loan Companies in Richmond, KY. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Graham, KY.

Are Payday Loans Legal In Graham, Kentucky?

Loan Rates and Fees, Laws and Regulations in Kentucky.

Kentucky Loan Regulations

Legal StatusLegal (Applies to check cashers only)
Interest Rate (APR, %)460
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term60 days
Number of Rollovers Allowed0
Finance Charges$15 per $100

Graham, KY payday loan calculator

Residents of Graham, Kentucky who need to borrow money quickly may turn to payday loans as an option. Payday loans can be a helpful way to get through a financial emergency, but it’s important for borrowers to understand how they work and the costs involved before taking out a loan.

What are Payday Loans?

Payday loans are short-term loans for small amounts of money, typically between $100 and $500. The loans are designed to provide borrowers with the cash they need to cover unexpected expenses, such as car repairs or medical bills, until their next paycheck. Payday loans are typically due on the borrower’s next payday, usually within two to four weeks.

How to Apply for a Payday Loan in Graham, Kentucky

Before applying for a payday loan in Graham, Kentucky, borrowers should make sure they understand the requirements. Kentucky law requires payday lenders to be licensed and regulated by the Kentucky Department of Financial Institutions.

To apply for a payday loan in Graham, Kentucky, borrowers will typically need to provide:

  • A government-issued ID
  • Proof of income, such as a pay stub or bank statement
  • A post-dated check or authorization for an electronic funds transfer for the amount borrowed plus fees

Borrowers should be aware that payday loans typically come with high interest rates and fees, which can make them expensive and difficult to repay. In Kentucky, the maximum interest rate that can be charged on a payday loan is 15% of the check amount, plus a $1 database fee.

The Risks of Payday Loans

While payday loans can be a helpful way to get through a financial emergency, they also come with some risks. One risk is that the high interest rates and fees can make them difficult to repay, which can lead to a cycle of debt.

Borrowers who are unable to repay their payday loan on time may be charged additional fees and interest, which can make the loan even more expensive. In some cases, borrowers may be tempted to take out a new payday loan to pay off their existing loan, which can lead to a cycle of debt that is difficult to break.

It’s important for borrowers to carefully consider their options before taking out a payday loan. They should make sure they understand the costs involved and have a plan for repaying the loan on time.

Interesting Facts and Statistics about Payday Loans in Graham, Kentucky

  • The average payday loan in Kentucky is $395.
  • Kentucky has one of the highest payday loan usage rates in the country, with 1.2 million payday loans issued in 2019.
  • The average payday loan in Kentucky has an interest rate of 391%.

Apply Now

If you’re in need of a payday loan in Graham, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, so we can help you find a loan option that works for you.

To apply, simply fill out our online application form. We’ll ask for some basic information about you and your financial situation, and then we’ll match you with potential lenders who may be able to provide you with a loan.

Remember, payday loans can be a helpful way to get through a financial emergency, but they also come with risks. It’s important to carefully consider your options and make sure you understand the costs involved before taking out a loan.

F.A.Q.

Can I be denied a payday loan in Graham, Kentucky based on my credit score?

No, payday lenders in Graham, Kentucky are not allowed to deny a loan based on your credit score. However, a low credit score may affect the terms and conditions of the loan.

How do I know if a payday lender is licensed to operate in Graham, Kentucky?

To check if a payday lender is licensed to operate in Graham, Kentucky, you can visit the Kentucky Office of Financial Institutions website and search for their name or license number.